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-SEP -14 -2001 FRI 10:47 AM FAX N0, 204109461 (C) "Lender" is WSLLS FARGO HOM MORTGAGE, INC. Lender is a CORPORATION organized and existing under the laws of THE SxATL OF CALIFORNIA. 1,ender's address is P.O. BOX 5137, DES MOINES, IA 503065137 Lender is the beneficiary under this Security Instrument. (D) "Trustee" is FIRST AMERICAN TITLE INS (h;) "Note" means the promissory note signed by Borrower and dated SEPTEMBER 14, 2001 The Note sidles that Borrower owes Lender TWM9TY EIGHT THOUSAND AND 00/100 Dollars (U.S. $ *****28, 000.00 ) plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than OCTOBER 01, 2011 (F) "Property" means the property that is described below wider the heading "Transfer of Rights in the Property." (t:) "Loan" means the debt evidenced by the Nate, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. (11) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider F-1 Condominium Rider 0 Second Home Rider Balloon Rider El Planned Unit Development Rider 1-4 Family Rider VA Rider L] Biweekly Payment Rider Other(s) [specify] (1) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non - appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (]h) "Electronic Fun& 'Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller nvichine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (i.) '%%crow Items" means those items that are described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any pan of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions &% to, the value and /or condition of the Property. (N) "Mortgage Insurance" means insurance protecting, Lender against the nonpayment of, or default on, the Loan. 6tNE1 100051 Papo 2 of 76 "Q�0 Form 3028 1101 P. 02/15